Hey guys, I have a 1 1/2 year old iPhone 5 that works great except that it recently got a mark that appears on every photo. It's not a scratch, the Apple Genius thinks it is a manufacturing defect inside the lens that just manifested. Apple doesn't have a repair for it, so my only officially-sanctioned recourse is to replace the phone for $269 (their out-of-warranty replacement). I have a Square Trade warranty on this phone, though, which will cover a 3rd party repair or the $269 replacement. What do you think, is it better to take your chances with repairing an existing phone or take your chances with getting a refurbished replacement? The Genius did test my battery and said it's "like new", so that's good. I'd value your thoughts. Thanks!